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In Australia, the Reserve Bank of Australia (RBA) and the Australian Prudential Regulation Authority (APRA) oversee the regulation of interest rates for loans.;Banks and financial institutions also have their own internal policies that must comply with these regulatory standards.

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Discipline policies must comply with state and territory education laws and respect student rights.;Policies should be transparent, fair, and consistently applied, with an avenue for appeal.

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To declare bankruptcy, you must complete and submit a Bankruptcy Form to the Australian Financial Security Authority (AFSA).;It is advisable to seek legal or financial advice before proceeding with a bankruptcy declaration.

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To protect your intellectual property in Australia, you can register patents, trademarks, and designs with IP Australia.;It's also important to keep detailed records and consider non-disclosure agreements to safeguard your intellectual property.

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Employees experiencing workplace bullying can report the behavior to their employer, seek support from a union, or file a complaint with the Fair Work Commission, which can issue orders to stop the bullying.;Legal protections include anti-bullying laws under the Fair Work Act, which provide a mechanism for employees to seek redress and ensure a safe work environment.

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Franchise disputes are typically resolved through mediation, arbitration, or legal proceedings as outlined in the franchise agreement.;The Franchising Code of Conduct requires parties to attempt mediation before proceeding to litigation.

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The Goods and Services Tax (GST) in Australia is a 10% tax on most goods and services sold or consumed, with some exemptions.;Businesses must register for GST if their annual turnover exceeds the threshold, and they can claim credits for GST paid on business expenses.

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Common causes of construction disputes include delays, quality of work, contract interpretation, and payment issues.;Miscommunication and differing expectations between parties often exacerbate these disputes.

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Payday loans in Australia are regulated by the National Consumer Credit Protection Act 2009, which caps fees and interest rates that lenders can charge.;Lenders are also required to assess the borrower's ability to repay the loan and provide clear, upfront information about the loan terms.

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Advertising restrictions include prohibitions on targeting minors and misleading advertising practices.;Gambling advertisements must also include responsible gambling messages and contact information for support services.